Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St Augustine South, St. Augustine — a pool home in St. Johns County.

1 / 82

Active

Active·91 days on market·St Augustine South

507 Gentian Road

St. Augustine, FL 32086

$430,000$317/sqftEst. $2,211/moMLS# 2147931

Beds

Baths

1,357

Sq Ft

1983

Built

Garage

Yes

Pool

About this home

St Augustine South

Welcome to your own slice of paradise in the highly desirable St Augustine South neighborhood in beautiful St. Augustine, FL. This adorable 2 bedroom, 2.5 bathroom pool home was completely updated in 2024 and is move-in ready with all the big-ticket items already taken care of. The modern kitchen features updated cabinetry, stylish finishes, and sleek appliances perfect for everyday living or entertaining guests. Natural light fills the bright sunroom overlooking the deck and sparkling pool area, creating the perfect indoor/outdoor lifestyle. This thoughtfully designed home offers two primary suites, including one with direct access to the deck and pool. Enjoy peace of mind with a resurfaced saltwater pool completed in 2025, new roof (2024), HVAC (2024), electrical panel replacement (2024), and complete repiping of the home. Additional upgrades include a whole house water softener and reverse osmosis system at the kitchen sink.

Cost to own

Mortgage calculator

Home Price

$430,000

Down Payment: 20%

$86,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,211

Principal & Interest: $2,211

Property taxes (est.): $572

Insurance (est.): $287

Estimated Total Monthly

$3,069

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$2,211

Property taxesest. at asking price, St. Johns County$572

Estimated total, before insurance$2,783/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,364/yr · $197/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $186,700 in August 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$316,981	$137,419	—
2024	$296,013	$93,618	—
2023	$300,538	$89,289	—
2022	$264,401	$89,586	—
2021	$191,605	$85,506	—
2020	$169,045	$83,628	—

2025 property taxes (current owner): $2,364/yr

Estimated taxes if purchased at asking price: ~$6,900/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic · Public water · St Johns County Utilities - water accounts

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,660 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 12, 2026Price change$430,000−$15,000
May 31, 2026Listed$445,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$430,000

Price / Sq Ft$317

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,357

Acres0.22 acres

Year Built1983

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolYes

Pool FeaturesIn Ground, Pool Sweep, Salt Water

Is WaterfrontNo

School Information

ElementaryOsceola

MiddleMurray

HighPedro Menendez

Community Information

Address507 Gentian Road, St. Augustine, FL 32086

Area335-St Augustine South

SubdivisionSt Augustine South

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size9,583.2 sq ft

Lot Dimensions80' x 100'

Parcel Number2432600000

ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Garage, Washer Hookup